Richard Torres

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CRD#: 5131369

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Richard Torres was a registered financial professional .

Richard is a previously registered financial professional and started their career in finance in 2006. Richard had worked at 12 firms and has passed the Series 66, Series 63, SIE, Series 34, Series 3 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1) RICHARD TORRES, 325 N ST PAUL ST, DALLAS, TX, INDEPENDENT INSURANCE AGENT FOR VARIOUS INDEPENDENT INSURANCE COMPANIES,04/01/15, INV REL, 20/WK- 0/TRADING 2) Pure Horizons, LLC; Non Investment related; 8322 Reva St. Dallas TX 75227; Owner; start date 01/2021; Commercial Disinfecting and Cleaning; 0-10 hrs a week, not during trading hours.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Past

August 1, 2022 - December 31, 2022

GRADIENT ADVISORS, LLC

RIA

CRD#: 152665

Dallas, TX

Past

July 16, 2020 - December 8, 2021

CAMBRIDGE INVESTMENT RESEARCH ADVISORS, INC.

RIA

CRD#: 134139

Dallas, TX

Past

July 16, 2020 - December 8, 2021

CAMBRIDGE INVESTMENT RESEARCH, INC.

CRD#: 39543

Dallas, TX

Past

June 8, 2020 - June 18, 2020

USAA INVESTMENT SERVICES COMPANY

CRD#: 5475

ADDISON, TX

Past

March 9, 2020 - June 18, 2020

USAA INVESTMENT SERVICES COMPANY

RIA

CRD#: 5475

ADDISON, TX

Past

March 6, 2020 - June 8, 2020

USAA FINANCIAL ADVISORS, INC.

CRD#: 129035

ADDISON, TX

Past

January 11, 2018 - September 7, 2019

CETERA WEALTH SERVICES, LLC

RIA

CRD#: 13572

DALLAS, TX

Past

January 11, 2018 - September 7, 2019

CETERA WEALTH SERVICES, LLC

CRD#: 13572

DALLAS, TX

Past

August 29, 2016 - December 31, 2017

CETERA WEALTH SERVICES, LLC

RIA

CRD#: 13572

DALLAS, TX

Past

August 29, 2016 - December 31, 2017

CETERA WEALTH SERVICES, LLC

CRD#: 13572

DALLAS, TX

Past

December 5, 2014 - July 19, 2016

BOK FINANCIAL SECURITIES, INC.

RIA

CRD#: 17530

RICHARDSON, TX

Past

December 5, 2014 - July 19, 2016

BOK FINANCIAL SECURITIES, INC.

CRD#: 17530

RICHARDSON, TX

Past

August 15, 2014 - December 16, 2014

TD AMERITRADE, INC.

RIA

CRD#: 7870

SOUTHLAKE, TX

Past

August 15, 2014 - December 16, 2014

TD AMERITRADE INVESTMENT MANAGEMENT, LLC

RIA

CRD#: 111514

SOUTHLAKE, TX

Past

January 29, 2013 - December 16, 2014

TD AMERITRADE, INC.

CRD#: 7870

SOUTHLAKE, TX

Past

October 27, 2010 - September 15, 2011

EQUITY SERVICES, INC.

CRD#: 265

MONTPELIER, VT

Past

July 18, 2008 - December 5, 2008

FIDELITY DISTRIBUTORS COMPANY LLC

CRD#: 17507

LEWISVILLE, TX

Past

May 3, 2007 - January 7, 2008

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

CRD#: 20472

LAS COLINAS, TX

Past

November 22, 2006 - April 16, 2007

TD AMERITRADE, INC.

CRD#: 7870

FORT WORTH, TX

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

GRADIENT ADVISORS, LLC

CRD#: 152665 / SEC#: 801-71000

RIA

Registered Investment Advisory firm - (2/10/2010 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 8/14/2014

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 12/3/2006

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 34

Date: 12/4/2013

Retail Off-Exchange FOREX Examination

General Industry/Product Exam

Series 3

Date: 9/4/2013

National Commodity Futures Examination

General Industry/Product Exam

Series 7

Date: 11/20/2006

General Securities Representative Examination

Current Firm

GRADIENT ADVISORS, LLC

CRD#: 152665 / SEC#: 801-71000

RIA

Registered Investment Advisory firm - (2/10/2010 Approved)

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Contact information

Main Address

4105 Lexington Avenue N. Suite 225, Arden Hills, MN 55126

Mailing Address

Phone number

(877) 885-0508

Established

Firm type

Fiscal year end

# of Employees

169

SEC notice filing (51 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

ADV PART 2A AND 2B 10-2025 (10/21/2025)

Regulatory assets under management

Total Number of Accounts	3,222
AUM (Assets Under Management)	$ 218,611,410

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Richard Torres

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

CAMBRIDGE INVESTMENT RESEARCH ADVISORS, INC.

CAMBRIDGE INVESTMENT RESEARCH, INC.

USAA INVESTMENT SERVICES COMPANY

USAA INVESTMENT SERVICES COMPANY

USAA FINANCIAL ADVISORS, INC.

CETERA WEALTH SERVICES, LLC

CETERA WEALTH SERVICES, LLC

CETERA WEALTH SERVICES, LLC

CETERA WEALTH SERVICES, LLC

BOK FINANCIAL SECURITIES, INC.

BOK FINANCIAL SECURITIES, INC.

TD AMERITRADE, INC.

TD AMERITRADE INVESTMENT MANAGEMENT, LLC

TD AMERITRADE, INC.

EQUITY SERVICES, INC.

FIDELITY DISTRIBUTORS COMPANY LLC

TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC

TD AMERITRADE, INC.

Primary Firm SEC Registration

GRADIENT ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 8/14/2014

Series 63

Date: 12/3/2006

SIE

Date: 10/1/2018

Series 34

Date: 12/4/2013

Series 3

Date: 9/4/2013

Series 7

Date: 11/20/2006

Current Firm

GRADIENT ADVISORS, LLC

Contact information

SEC notice filing (51 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

GRADIENT ADVISORS, LLC

TRUST BUT VERIFY

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